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A Glance at Annuities Table

Annuity tables are simple tables that help you calculate the present values of a series of future payments or investments. These makes use of pre-calculated compound interest rates for a period of time. It shows the present worth of $1 to be paid at the end of various periods in the future, at different interest rates compounded annually. You can use annuity tables to calculate the present value of an investment you want to make in future, the value of a return on an investment you may receive in future, or to evaluate the worth of a present day investment in future.

It is common and useful to refer to annuity tables while deciding the worth of your retirement annuity plan a dozen years later or to estimate the worth of the monthly payment from an annuity plan when you reach the golden age of seventy-five. Let us take a glance at annuities table and find out how to use it.

Present worth of one dollar per period Payable at end of each period

Years 3% 3.5% 4% 4.5% 5%
1 $0.970874 $0.966184 $0.961538 $0.956938 $0.952381
2 $1.913470 $1.899694 $1.886095 $1.872668 $1.859410
3 $2.828611 $2.801637 $2.775091 $2.748964 $2.723248
4 $3.717098 $3.673079 $3.629895 $3.587526 $3.545951
5 $4.579707 $4.515052 $4.451822 $4.389977 $4.329477
6 $5.417191 $5.328553 $5.242137 $5.157872 $5.075692
7 $6.230283 $6.114544 $6.002055 $5.892701 $5.786373
8 $7.019692 $6.873956 $6.732745 $6.595886 $6.463213
9 $7.786109 $7.607687 $7.435332 $7.268790 $7.107822
10 $8.530203 $8.316605 $8.110896 $7.912718 $7.721735
11 $9.252624 $9.001551 $8.760477 $8.528917 $8.306414
12 $9.954004 $9.663334 $9.385074 $9.118581 $8.863252
13 $10.634955 $10.302738 $9.985648 $9.682852 $9.393573
14 $11.296073 $10.920520 $10.563123 $10.222825 $9.898641
15 $11.937935 $11.517411 $11.118387 $10.739546 $10.379658
16 $12.561102 $12.094117 $11.652296 $11.234015 $10.837770
17 $13.166118 $12.651321 $12.165669 $2.11 $11.274066
18 $13.753513 $13.189682 $12.659297 $12.159992 $11.689587
Example of an Annuity Table

The first column in the table shows the years and the rows show the rates of interest. Each column thereafter displays the rate of interest compounded for one dollar for a particular year. To start with, you need to find the column under the rate of interest or cost of capital you are concerned with. Next, you will need to find the horizontal row corresponding to the number of years after which you will receive the payment. The point of intersection of the column and the row gives your present value of $1. Say, your money is exposed to a rate of interest of 4.5 percent over 17 years. The value of $1 at 4.5 percent rate after 17 years, as you can see from the table, is $2.11. To find out the worth of a particular amount of money, you simply need to multiply the amount of the money with the corresponding value you found out from the annuity table. The resultant amount is the present value of the amount. In our example, if you are expecting an amount of $50, 000, the present value of this after 17 years at 4.5 percent rate of interest is $105,669.00. Now, you can decide whether the investment you are considering is worth undertaking.

For more information on annuity tables, Click here or call AnnuityLibrary.com toll-free at 1-800-998-4056. We provide a one stop shopping experience for any information about annuities. Our experts can offer you the best comparative information for different forms and types of fixed annuities, their rates, and quotes, and provides the best advice on your selection of the most suitable annuity plan.

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